Khalid Elezaby

Experience

• 

  National Bank of Egypt (NBE)

  Aug 2007 - Aug 2007

  Internal Internship
• 

  Arab Academy for Science, Technology and Maritime Transport

  Sept 2009 - Jan 2010

  Accountant, Auditor
• 

  National Bank of Egypt (NBE)

  Feb 2010 - now

  coming across with 14 years of Experience in banking industry mainly SME’s Credit for more than 8 years specializing in Credit Management, with a demonstrated history of effectively supervising and managing Small and Medium-sized Enterprises (SMEs). Skilled in implementing strategic initiatives, enhancing operational efficiency, and nurturing growth within SME contexts. Proficient in personnel leadership, financial stewardship, and operational optimization, substantially impacting business achievements. Possesses exceptional leadership and decision-making abilities, dedicated to realizing and surpassing organizational objectives. A results-oriented expert prepared to offer strategic guidance and deliver significant value to SMEs operating in dynamic and competitive markets Show less - Establishes and updates credit policies, guidelines, and procedures to ensure responsible lending practices.- Assesses and manages credit risk exposure, identifying potential risks and implementing risk mitigation strategies.- Supervises the loan approval process, ensuring compliance with established credit standards and regulatory requirements.- Reviews and analyzes the credit portfolio, tracking performance and identifying delinquencies or defaults.- Works closely with underwriters to evaluate creditworthiness and make informed lending decisions.- Utilizes credit scoring models and data analytics to assess and predict credit risk.- Oversees collections efforts, developing strategies for timely recovery of delinquent loans.- Stays updated on financial regulations and ensures credit operations comply with legal and regulatory requirements.- Coordinates credit audits and reviews to maintain the quality and integrity of the credit portfolio.- Monitors market trends and customer behavior to adapt credit strategies and products accordingly Show less - Conducted comprehensive research to evaluate clients' creditworthiness.- Developed advanced credit scoring models to predict and manage risks effectively.- Made informed decisions regarding loan requests, considering credibility and potential financial implications.- Precisely calculated and established interest rates.- Engaged in strategic negotiations with clients to define loan terms.- Vigilantly oversaw payment tracking and management.- Maintained meticulous records of loan applications.- Diligently followed up with clients to supervise debt settlements and facilitate loan renewals.- Ensured unwavering compliance with all lending procedures, strictly adhering to regulatory standards.- Led the development, assessment, and continuous enhancement of the company's credit policies to optimize efficiency and effectiveness. Show less - Oversaw the assessment of clients' creditworthiness to determine lending eligibility.- Managed a team of credit analysts, providing guidance and support in their daily tasks.- Developed and implemented credit scoring models to enhance risk assessment accuracy.- Evaluated loan applications and decided on approval or rejection based on creditworthiness.- Conducted regular reviews of credit policies and procedures to ensure compliance with regulations.- Collaborated with senior management to establish and adjust interest rates for lending products.- Monitored the performance of existing loan portfolios, identifying potential risks and taking proactive measures.- Conducted negotiations with clients to define loan terms and repayment schedules.- Ensured accurate and detailed record-keeping of all credit-related transactions.- Provided training and professional development opportunities for credit team members.- Prepared and presented reports on credit performance and portfolio health to executive leadership.- Implemented strategies to minimize credit losses and improve overall portfolio quality.- Collaborated with auditors and regulators during compliance audits and examinations. Show less - Assessed the creditworthiness of SME clients, conducting thorough financial analysis.- Managed a portfolio of SME clients, providing tailored financial solutions and advice.- Originated and underwrote SME loans, ensuring adherence to bank policies and regulatory requirements.- Developed and maintained strong client relationships, fostering trust and loyalty.- Monitored the performance of SME loan portfolios, identifying and addressing potential credit risks.- Conducted regular credit reviews and assessments, recommending adjustments as needed.- Analyzed financial statements, cash flow projections, and collateral valuations to make informed lending decisions.- Negotiated loan terms and conditions with SME clients to ensure mutually beneficial agreements.- Worked closely with credit analysts and support staff to streamline loan processing.- Provided guidance and mentorship to junior bankers and credit personnel.- Prepared and presented credit reports and recommendations to senior management and credit committees.- Successfully met or exceeded assigned lending targets and performance goals. Show less - Processed customer transactions, including deposits, withdrawals, and fund transfers.- Conducted thorough account verification and validation procedures to ensure security.- Managed and balanced cash drawers and automated teller machines (ATMs).- Handled customer inquiries and assisted with account-related issues.- Executed wire transfers and processed checks for clearing and settlement.- Reviewed and verified customer documentation for account openings and closures.- Assisted in the reconciliation of daily financial reports and statements.- Assisted customers with online and mobile banking services, guiding them through digital transactions.- Supported colleagues in the operations department with various tasks as needed. Show less

  • SME's Credit Manager

    Jul 2023 - now

  • Financial Inclusion Manager - Head of SME’s Department

    Jul 2023 - Dec 2023

  • SME's Deputy Manager

    Mar 2021 - Jul 2023

  • Supervisor SME's Credit

    Jul 2018 - Mar 2021

  • Excellent Banker SME's Credit

    Jul 2016 - Jul 2018

  • Banker A Customer Service

    Jun 2013 - Jul 2016

  • Banker A operation Department

    Jan 2016 - Jun 2016

  • Banker B Reception Department

    Feb 2010 - Jul 2013